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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 4 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 2 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EBC | $5.1B | 52.1× | — | 38.2× | 19.1% | — | 65.8% | 2.0% | 1.9% | — | 63 |
| NRIM | $531M | 8.3× | — | 2.1× | 30.4% | 81.7% | 25.3% | 19.8% | 15.8% | — | 26 |
| HFBL | $69M | 11.3× | — | 40.9× | 30.0% | — | — | 10.5% | 10.5% | — | 4 |
Peers = companies sharing HFBL's sector (Savings Institution, Federally Chartered) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 22% of free cash flow, leaving room to grow it and fund buybacks. Last year: $1.7M dividends + $3.3M buybacks = $5.0M returned on $7.6M FCF.
6 consecutive years of dividend increases · 5%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 11%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Interest expense isn't separately reported — often netted into “other income (expense), net.” Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2026
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7M 100.0% | $1.3M 100.0% | $1.1M 100.0% | $1.5M 100.0% | $1.1M 100.0% | $991K 100.0% | $1.0M 100.0% | $975K 100.0% | — | — |
| Interest Expense | — | — | — | $5.1M 343.9% | $1.9M 163.6% | $3.3M 333.4% | $5.2M 505.3% | $4.5M 464.8% | $3.5M | $2.8M |
| Pretax Income | $7.8M 459.6% | $4.7M 357.2% | $4.1M 366.9% | $6.8M 458.4% | $6.0M 523.1% | $6.8M 687.2% | $4.8M 471.3% | $6.0M 618.1% | $5.8M | $5.4M |
| Income Tax Expense | $1.6M 95.1% | $766K 58.8% | $476K 42.9% | $1.1M 72.2% | $1.1M 98.3% | $1.4M 145.8% | $957K 93.8% | $1.3M 131.6% | $2.3M | $1.8M |
| Net Income | $6.2M 364.5% | $3.9M 298.4% | $3.6M 324.0% | $5.7M 386.2% | $4.9M 424.8% | $5.4M 541.4% | $3.9M 377.5% | $4.7M 486.5% | $3.6M | $3.7M |
| Per Share | ||||||||||
| EPS (Basic) | $2.05 | $1.27 | $1.18 | $1.89 | $1.50 | $1.66 | $1.15 | $2.68 | $1.98 | $2.01 |
| EPS (Diluted) | $2.02 | $1.26 | $1.17 | $1.81 | $1.41 | $1.57 | $1.07 | $2.50 | $1.87 | $1.91 |
| Weighted Avg Shares (Basic) | 3.0M | 3.1M | 3.0M | 3.0M | 3.3M | 3.2M | 3.4M | 1.8M | 1.8M | 1.8M |
| Weighted Avg Shares (Diluted) | 3.1M | 3.1M | 3.1M | 3.2M | 3.5M | 3.4M | 3.6M | 1.9M | 1.9M | 1.9M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-28 | 2 co-filers Group filing | Option exercise | 5,000 | $11.86 | $59k |
| 2026-10-28 | 2 co-filers Group filing | Option exercise | 5,000 | $0.00 | — |
| 2026-08-04 | Barlow James R Chairman, President & CEO*** | Other | 2,483 | $23.00 | $57k |
| 2026-07-22 | 2 co-filers Group filing | Option exercise | 3,000 | $11.86 | $36k |
| 2026-07-22 |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| Option exercise |
| 3,000 |
| $0.00 |
| — |
| 2026-05-27 | 2 co-filers Group filing | Option exercise39d late | 1,800 | $11.86 | $21k |
| 2026-05-27 | 2 co-filers Group filing | Option exercise39d late | 1,800 | $0.00 | — |
| 2026-03-20 | 2 co-filers Group filing | Option exercise21d late | 2,000 | $11.86 | $24k |
| 2026-03-20 | 2 co-filers Group filing | Option exercise21d late | 2,000 | $0.00 | — |
| 2026-01-06 | 2 co-filers Group filing | Option exercise | 6,000 | $11.86 | $71k |
| 2026-01-06 | 2 co-filers Group filing | Option exercise | 6,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers Chairman, President & CEO*** | Grant | 5,000 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers EVP & Chief Financial Officer | Grant | 2,500 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Group filing | Grant | 5,000 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Executive Vice President* | Grant | 2,500 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Group filing | Grant | 5,000 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Group filing | Grant | 5,000 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Group filing | Grant | 3,750 | $0.00 | $0 |
| 2025-12-18 | 2 co-filers Executive Vice President* | Grant | 8,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers Group filing | Grant | 8,750 | $0.00 | — |
| 2025-12-18 | 2 co-filers Group filing | Grant | 12,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers Group filing | Grant | 12,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers Group filing | Grant | 12,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers EVP & Chief Financial Officer | Grant | 8,000 | $0.00 | — |
| 2025-12-18 | 2 co-filers Chairman, President & CEO*** | Grant | 12,000 | $0.00 | — |
| 2025-11-19 | Barlow James R Chairman, President & CEO*** | Other | 4,179 | $15.36 | $64k |
| 2025-11-11 | Barlow James R Chairman, President & CEO*** | Tax withholding | 1,821 | $15.86 | $29k |
EOD close · as of 2026-10-30
Where each multiple sits in its own 15-yr range · 78th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 15-yr history.
Is the profit real, and how strong is the balance sheet?
FY2026 · every deduction from revenue to net income
DuPont — the three levers
ROE 11% against ROIC 11% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 131.6 | 93.8 | 145.8 | 98.3 | 72.2 | 42.9 | 58.8 | 95.1 |
| Net Income | 486.5 | 377.5 | 541.4 | 424.8 | 386.2 | 324.0 | 298.4 | 364.5 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on HFBL: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2019 | not reported | not reported | 486.5% |
| FY2020 | not reported | not reported | 377.5% |
| FY2021 | not reported | not reported | 541.4% |
| FY2022 | not reported | not reported | 424.8% |
| FY2023 | not reported | not reported | 386.2% |
| FY2024 | not reported | not reported | 324.0% |
| FY2025 | not reported | not reported | 298.4% |
| FY2026 | not reported | not reported | 364.5% |
Return on equity (11%) and return on invested capital (11%) are within a couple of points in FY2026, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Free cash flow of $8M exceeds revenue of $2M, so the cash flow statement is carrying customer balances rather than earnings. Cash conversion cannot be read here.
Banks, brokers, insurers and payment companies run customer money through operating cash flow. Treat free cash flow, FCF yield and any DCF on this company as unreliable.
Missing from our data, so excluded from this answer: free cash flow attributable to the company.
Leverage is not measurable this way for a bank.
Balance sheet at 2026-06-30. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $22.85, free cash flow must compound 1.92%/yr for 10 years. It has done 89.61%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2021 | 4904.9% | 1.9% |
| FY2022 | 107.8% | 1.9% |
| FY2023 | −29.6% | 1.9% |
| FY2024 | −81.0% | 1.9% |
| FY2025 | 140.0% | 1.9% |
| FY2026 | 39.3% | 1.9% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.